How much can I afford? Can I get a loan to cover rehab costs? When should we talk to a lender? What are lender fees? What’s the norm? What are points? Is the downpayment different from closing costs? Why do people get into ARM’s vs. Fixed loans (good question especially right now)? What can I do to get my credit score higher? Can we still get a home if one of us has great credit and the other has not so great credit? Where do I start in the negotiation process? Does earnest money show the seller how serious the buyer is?